Free · one sheet · for contested financial matters
The Hidden-Transfer Sheet: 12 patterns to spot on a statement page.
What hidden money looks like on a bank statement, the check that finds it, the innocent readings, and the document to ask for next. Every rule and case is cited.
What you get
- Twelve patterns, from "same amount, days apart" to "small fees that point to an asset."
- For each: what it looks like on the page, the check, the fair readings, what to ask for, and why it matters.
- Sources cited: Domestic Relations Law 236, 22 NYCRR 202.16-a, Debtor and Creditor Law 273, General Obligations Law 5-1505, 31 CFR 1010.311, 11 U.S.C. 547, Surrogate's Court Form JA-7, and the IRS instructions for Schedule B.
- A printable PDF.
For matrimonial, estate and commercial litigators, and the forensic accountants who work with them.
Pattern 2 of 12From the sheet
The account nobody listed
- On the page
- "ONLINE TRANSFER TO CHK ...9021" or "TRANSFER TO SAV XXXXX7730." Banks often print the last four digits of the other account on the transfer line.
- The check
- Write down every account ending that appears in a transfer description. Compare each to the accounts on the sworn statement of net worth, the fiduciary's account or the debtor's disclosure.
- Fair readings
- An account closed before the statement date; an account disclosed elsewhere under a business or a child's name.
- Ask for
- Statements for each unlisted ending, from the first month it appears to the present, and the account-opening documents.
- Why it matters
- Matrimonial disclosure is compulsory: "there shall be compulsory disclosure by both parties of their respective financial states" (DRL 236(B)(4)(a)), made on a sworn statement of net worth (22 NYCRR 202.16(b)). An account that receives money but isn't listed is the first thing to ask about.
Evidence Sweep
Fixed-fee offline analysis of financial productions for New York litigators and forensic accountants. Every figure cited to its page and line in 72 hours.